Welcome

Barclay & Lloyd have over 50 years experience in all aspects of debt. Whether you are struggling with your mortgage, or whether you are self employed with both business and personal debts,
we can offer advice.

Personal Debt

If you are struggling to manage your personal debt, there are a number of possible solutions available to you.

How It Works

You will have an initial consultation with one of our team where we will discuss your circumstances. We will then outline what solutions we think may be available to you. Providing you would like to proceed, and after regulatory requirements have been met, we will then take over correspondence with your creditors and begin negotiating towards an agreed solution.

Common Solutions Available:

ARA – Alternative Payment Arrangement

Restructure – A restructuring of the debt owed

Voluntary Surrender – Where a property is handed back to the mortgage provider

Consent to Sale – Where consent is sought from the mortgage provider to sell a property

Settlement/Write down – Where a debt is settled for an amount different to what is owed.